FAQS
Navigating Complexity, Simplifying Answers
Expert Advice Courtesy of Huron Title Company
Huron Title Company understands that navigating the intricacies of the real estate world can often lead to a barrage of questions. That’s why we are here to lend our expertise and provide you with the answers you need. As the leading title company in Port Huron, MI, we specialize in various areas, including title insurance, construction escrow, abstracting and title examination, and more. Our experienced team is committed to guiding you through the process, ensuring a smooth and reliable experience. From understanding the intricacies of construction escrow to addressing any concerns you may have, Huron Title Company is your trusted partner in Port Huron, MI for all your real estate needs.
Your Title Questions – Answered.
What are closing costs?
Closing costs refer to the various costs and expenses associated with closing a real estate transaction. These costs are determined by the contracts between the parties, applicable laws, and local customs. The explanation of closing costs provided here is based on our sample Real Estate Purchase Contract (available for download in the Forms section), Washtenaw County custom, and assumes typical mortgage closing expenses.
How long will my closing last?
Closing a transaction should not be a lengthy process. For a residential resale, we typically allocate one hour, while for a refinance, it usually takes 30-45 minutes.
What are transfer taxes?
Michigan imposes two transfer taxes on the sale or transfer of real estate. There is a county transfer tax of $1.10 per $1,000 and a state transfer tax of $7.50 per $1,000. Numerous exemptions exist for these taxes, particularly for transactions where no monetary value is assigned or where the transaction involves family members or current co-owners of the property.
What is a tax proration?
A tax proration is an allocation of the property taxes between the seller and purchaser as determined by their contract. While not required, it is customary. In Washtenaw/Livingston Counties, the most commonly used proration method is the “due date in advance” method. This method treats the property tax bill like a subscription, where payment on December 1 is considered a purchase of government services for the period starting on December 1 and ending on November 30 of the following year. For example, in a transaction closing on February 1, the purchaser will reimburse the seller for 10/12ths of the previous December’s tax bill, as the purchaser will occupy the property for 10 months of the 12-month period that started the previous December 1.
Do I need an attorney?
It is highly recommended to hire a real estate attorney when buying or selling a home due to the significant financial and tax considerations involved. A good real estate attorney can provide critical advice on appropriate contingency clauses, title restrictions, and tax consequences of your transaction. It’s important to find an attorney who is experienced and current in this area of law. Recommendations for finding an attorney can be obtained from realtors, experienced loan officers, or a title company.
Why do I record my deed? Is it my title?
Recording a deed is important as it provides notice to the world that you own your property. Recording a deed at the Register of Deeds gives “constructive notice” to the world of your ownership. If you fail to record your deed, only those individuals with actual notice of your interest in the property will be aware of your ownership. It’s important to understand that the deed is evidence of your ownership and not a “title” like a car title. Placing the deed on record is critical.
How long before we can close?
What is escrow?
Escrow is a term used in real estate that can have multiple meanings. It can refer to the entire closing process, an agreement to hold funds/documents until certain events have occurred, or an agreement to hold a deposit for a specific use. Understanding the specific context in which the term is used is important, so feel free to ask for clarification when it is mentioned.
What are the requirements for recording my title?
Michigan has specific requirements for recording documents at the Register of Deeds Office. These requirements include:
- Documents must be at least 8 1/2″ by 11″ and no larger than 8 1/2″ by 14″
- There must be a 2 1/2″ margin at the top and a 1/2″ margin at the sides
- The document must be in black ink on white paper (signatures can be in blue ink in Washtenaw County but nothing else)
- The minimum paper weight must be 20lbs (thermal fax paper is not acceptable)
- The document must be legible with at least a 10pt typeface
- The document must be signed in the presence of a Notary Public
- Additionally, there are recording fees of $9.00 for the first page and $2.00 for each additional page. For example, a three-page document would cost $13.00 to record.
FAQs for Huron Title Company
About Huron Title Company
What does Huron Title Company do?
title insurance, property title searches, real estate closings, and escrow services. We work with
homebuyers, sellers, real estate agents, attorneys, and lenders to ensure each transaction is
legally sound, timely, and hassle-free. Whether you’re closing on a residential home,
commercial property, or vacant land, our experienced team manages all aspects of the process
from start to finish, including document preparation, title issue resolution, and fund
disbursement.
What sets Huron Title Company apart from other Michigan title companies?
Huron Title Company stands out for our exceptional customer service, deep knowledge of Michigan real estate law, and our streamlined approach to title and escrow services. Unlike national firms, we offer local expertise and personalized attention for every transaction. We handle everything in-house—from title searches and insurance to closings and FSBO (For Sale By Owner) assistance—so you experience fewer delays and more peace of mind.
Title Insurance & Why It Matters
What is title insurance, and why do I need it when buying property in Michigan?
Title insurance is a one-time policy that protects you from financial loss due to title defects, such as unpaid liens, undisclosed heirs, easements, or ownership disputes. In Michigan real estate transactions, title insurance is essential to confirm that the property’s title is clear and legally transferable. At Huron Title Company, we offer both owner’s and lender’s title insurance to secure your property rights and ensure your investment is protected for as long as you own the property.
Do I need title insurance if I’m paying cash for a home in Michigan?
Yes, title insurance is still highly recommended—even if you’re paying cash. When there’s no lender involved, you’re solely responsible for any title defects that surface after closing. Purchasing an owner’s title insurance policy through Huron Title Company ensures that you are protected against past issues that may not be visible during the transaction, such as unpaid taxes, forged documents, or prior claims of ownership.
What’s the difference between owner’s and lender’s title insurance in Michigan?
Owner’s title insurance protects the buyer from title-related issues that could threaten your legal ownership, while lender’s title insurance protects the mortgage company’s interest in the property. In Michigan, buyers are strongly encouraged to purchase owner’s title insurance, especially since lender policies do not cover the buyer’s equity. At Huron Title, we provide both types of policies with clear explanations and competitive pricing so you can close confidently.
How much does title insurance cost in Michigan?
Title insurance premiums in Michigan vary depending on the property value and the coverage you choose (owner’s vs. lender’s policy). At Huron Title Company, we offer competitive rates with no hidden fees. You’ll receive a customized title insurance quote as part of your closing cost breakdown. We prioritize transparency and affordability to help you make informed financial decisions during your real estate transaction.
Title Search, Escrow, and Closings
What is a title search, and how does it work in Michigan real estate?
What should I expect during the closing process with Huron Title?
At Huron Title Company, we make the closing process simple and transparent. You’ll review and sign all necessary documents, funds will be held in escrow and disbursed properly, and we’ll handle the legal recording of your deed. Our team will walk you through each step, answer your questions, and coordinate with all involved parties. Whether you’re a buyer, seller, or lender, our goal is to deliver a smooth, on-time closing anywhere in Michigan.
How long does it take to close on a home in Michigan?
Most Michigan real estate closings take between 30 and 45 days, depending on factors such as title clearance, financing approval, and document preparation. At Huron Title Company, we work proactively to resolve any title issues early, coordinate with lenders and realtors, and keep your transaction on schedule. We’re committed to timely, reliable closings across the state.
What does a Michigan title company do during the closing process?
What is escrow, and how does it work in Michigan property transactions?
Escrow is the process of holding funds and documents by a neutral third party—like Huron Title—until all conditions of the sale are met. In Michigan real estate, escrow protects both buyers and sellers by ensuring that money and property only exchange hands when all agreed-upon terms have been satisfied. Our licensed escrow agents manage this process carefully to reduce risk and prevent fraud.
FSBO – For Sale By Owner Services
Can Huron Title help with For Sale By Owner (FSBO) transactions in Michigan?
Absolutely. Huron Title specializes in assisting FSBO sellers and buyers throughout Michigan. If you’re selling a home without a realtor, we provide everything you need to complete a legal, secure transaction—including purchase agreements, title searches, escrow services, and title insurance. Our team ensures your FSBO closing follows all Michigan laws and is handled with the same professionalism as an agent-assisted sale. We offer our own purchase agreements and all documents needed to facilitate your FSBO transaction. View our FSBO package here!
What’s included in the FSBOr kit from Huron Title Company?
Our For Sale By Owner kit includes all essential documents for completing a real estate
transaction in Michigan without a realtor:
● Real estate purchase agreement
● Seller’s disclosure statement
● Warranty deed
● Mortgage information and payoff authorization
● Closing instruction sheet
This all-in-one package helps for sale by owner sellers stay organized and legally compliant.
Does Huron Title help with filling out FSBO forms?
While we provide all the essential for sale by owner forms, including the purchase agreement and warranty deed, Huron Title Company cannot complete these forms for you or offer legal advice. To ensure everything is filled out correctly and legally, we recommend working with a Michigan real estate attorney.
What is a real estate purchase agreement, and why do I need one for For Sale By Owner in Michigan?
A real estate purchase agreement is a legally binding contract between a buyer and a seller that outlines the terms of the sale. If you’re selling your home FSBO in Michigan, this document is essential. It ensures all parties agree on the sale price, conditions, and responsibilities. Huron Title offers a downloadable, fillable FSBO purchase agreement to help streamline your transaction and keep everything legally documented.
Can I use the FSBO package without a realtor or attorney in Michigan?
Yes, the for sale by owner kit is designed for independent sellers who are not using a real estate agent or attorney. However, Huron Title strongly recommends that both parties review the documents with legal counsel to ensure accuracy and compliance with Michigan real estate laws.
How do I submit a signed FSBO purchase agreement to Huron Title?
Once both the buyer and seller have signed the FSBO purchase agreement, you can:
● Email it to huron@hurontitle.com
● Drop it off at our office
● Upload it via the online order form here (linked to the form)
After submission, we’ll begin the title search and coordinate the closing process from start to
finish.
Special Services and Common Concerns
Can Huron Title handle commercial property closings in Michigan?
Yes. We provide title insurance, escrow services, and professional closing coordination for commercial real estate across Michigan. Our clients include developers, investors, and business owners who rely on us for accurate, timely, and legally compliant transactions. Whether you’re buying land, refinancing, or managing a multi-property portfolio, we’ve got you covered.
Does Huron Title offer remote or digital closings in Michigan?
Yes. Huron Title offers secure remote closing and e-signature services to make real estate transactions more convenient. Whether you’re out of state or prefer a fully digital process, we provide electronic document signing, online review, and virtual notary options in accordance with Michigan real estate laws.
What happens if a title issue comes up after I close?
If a title defect—such as a lien, ownership dispute, or legal claim—arises after closing, your owner’s title insurance policy will protect you. Huron Title works with top-rated underwriters to resolve issues and cover legal costs or financial losses related to the claim. That’s why title insurance is one of the most important protections you can invest in.
Can I choose my own title company in Michigan?
Yes, Michigan law allows buyers and sellers to choose their own title company. Choosing Huron Title means choosing local expertise, responsive service, and decades of experience with Michigan property transactions. We work with all parties—buyers, sellers, agents, and lenders—to facilitate smooth closings.
Can Huron Title handle out-of-county or out-of-state closings?
Absolutely. We facilitate real estate closings throughout the state of Michigan, including out-of-county and remote transactions. Our digital tools and trusted statewide partners make it easy to close—even if you’re relocating or buying property from another state.
Huron Title Company
330 Michigan St.
Port Huron, MI 48060
Business Hours
Monday – Friday
8:00 AM to 5:00 PM
Saturday & Sunday
Closed